Level term
Fixed benefit and fixed price for 10 to 30 years. Simple and usually the lowest cost.
For homeowners with a mortgage
If something happens to you, the house stays with your family.
Mortgage protection is life insurance sized to your home loan. If you pass away or become seriously ill, the benefit goes to your family so they can pay off the mortgage or keep making payments.
- Many applicants qualify with health questions only, no medical exam
- We compare 30+ A-rated carriers for your best price
- Level-premium plans keep the same monthly price for the full term
Pays off the homeBenefit sized to your loan balance
Paid to your familyThey decide how to use it, not the bank
Living benefitsOptions that pay out for critical illness
Fixed priceLevel premiums for the full term
What it is
Your mortgage doesn't stop if your paycheck does.
Most families can't cover a house payment on one income or none. A mortgage protection policy puts a lump sum in their hands at the moment they need it most.
If you pass away
Your beneficiary receives the death benefit tax-free and can pay off the remaining balance in full.
If you get a serious diagnosis
With a living-benefits rider, you can draw part of the benefit early for a covered heart attack, stroke, or cancer.
If you can't work
A disability rider can cover your monthly payment for a set period while you recover.
If nothing happens
A return-of-premium plan refunds what you paid in at the end of the term.
Coverage estimate
How much coverage does your family need?
Our estimator adds your mortgage balance to a cushion of monthly payments, so your family has time to adjust.
How it works
Three steps, mostly by phone.
Answer a few questions
Tell us about your loan, age, and health. It takes about two minutes.
Compare your options
We shop several A-rated carriers and walk you through the prices side by side.
Apply and get covered
Many plans approve on health questions alone. You sign electronically and choose your start date.
30+Carriers compared
A+Average carrier rating
50States served
Reviews
What homeowners say
Reviews from clients of MortgageShield Protection.
"I always tell other homeowners — you'll never regret protecting your mortgage. MortgageShield made it fast, easy, and surprisingly affordable."
"This was such a good experience looking at insurance policy options. The experience working with the MortgageShield team was so simple and easy — they walked me through everything without any pressure."
"Great experience from start to finish. Would totally recommend this process to anyone. Thanks for helping me find a policy that fits my budget. The whole thing took less than a week."
"The application process was seamless. The turnaround time was great. And the monthly premium is more than reasonable. Also the follow-up from my agent was always prompt and professional."
"They have the best customer service and they make sure that you clearly understand everything before you get off the phone. My family finally has the protection we needed."
"I never realized how affordable mortgage protection could be. My specialist compared 10+ carriers and found me a rate that was $40 less than what my bank quoted. Very happy I made the call."
"After my father passed and left my mom with a mortgage, I knew I needed to protect my own family. This team made the process easy and the coverage started within days of applying."
"Called expecting it to take all day. Within 20 minutes they had three options for me and we picked one on the spot. Rate is locked in and my mortgage is now fully protected."
"What I loved most was that there was zero pressure. My agent explained every policy option in plain English, answered all my questions, and let me take my time deciding. That's rare."
"MortgageShield brought me so much relief knowing my family will be taken care of if something happens to me."
"Excellent prices for mortgage protection policies… especially considering NO EXAM required!"
Coverage options
Plans we can set up for you
Return of premium
Costs more each month, but you get your premiums back if you outlive the term.
Living benefits
Access part of your benefit early for a covered critical, chronic, or terminal illness.
Disability
Helps cover your mortgage payment if an injury or illness keeps you out of work.
Questions
Common questions
Isn't this the same as the insurance my lender offered?
No. Lender-offered mortgage life insurance usually pays the bank directly and the benefit shrinks as your balance drops. The plans we offer pay your family, and on level term the benefit stays the same for the whole term.
Do I need a medical exam?
Many applicants qualify by answering health questions over the phone, with no exam or bloodwork. Some carriers require an exam for larger amounts or certain health histories, and exam plans can cost less.
How much does it cost?
It depends on your age, health, tobacco use, coverage amount, and term length. A healthy non-smoker in their 30s or 40s can often get coverage for less than a streaming-and-phone bill. A licensed agent will show you real prices from several carriers.
What if I have health problems?
Many conditions such as high blood pressure, diabetes, or past heart issues can still qualify. Some carriers specialize in these cases. Tell us up front so we can match you with the right one.
Will my price go up?
On a level term policy, no. The premium is set when you're approved and stays the same for the full term.
Is there any cost or obligation to get a quote?
No. Getting a quote is free and you're under no obligation to buy.
Protect the house while it's easy to qualify.
Prices are lowest when you're younger and healthier. It takes two minutes to see your options.